Housing Starts actual decreased to 1.16 Mn in 2nd quarter of 2017. Forecast for 3rd quarter of 2017 is 1.27 Mn going up to 1.30 Mn in last quarter of 2017. Forecast for 1st quarter of 2018 is 1.33 Mn going up to 1.38 Mn in last quarter of 2018

Total Home Sales Actual decreased to 6.16Mn in 2nd quarter 2017. Forecast for Total Home sales for 2017 is at 6.19 Mn in 3rd quarter of 2017. Total Home sales for 2018 is at 6.15 Mn in 1st quarter and up to 6.40 Mn in the last quarter

FMHPI house price appreciation actual is at 1.7% in 2nd quarter of 2017. House price appreciation forecast for 2017 is at 1.3% in the 3rd quarter of 2017. House price appreciation forecast for 2018 is at 1.3% in the 1st quarter and 1.1% in the last quarter

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1) Taxable income needs to have dropped 20%+ before the Bankruptcy,Short Sale,Deed In Lieu,Foreclosure.Lets say BK was in 2013,was the taxable income in any one preceding year 20%+ less than the immediate previous year .